Trusted Tips and Resources

Trusted Tips & Resources

Trusted Regina team brags about James Wruth a Trusted Regina REALTOR®

The Trusted Regina team is thrilled to brag about our newest Trusted Regina REALTOR®. We are thrilled to welcome James Wruth to the Trusted Regina Community of business operated with integrity.  James Wruth is a Trusted Regina Real Estate expert



James Wruth of RE/MAX An Expert At Your Side

James Wruth is one of Regina’s most trusted and top-selling Realtors. A member of Remax Crown Real Estate since 2006, James works with families, individuals, investors, and developers in the purchase and sale of residential properties. Since 2006, James has been a consistent Top Producing Realtor, and he has been awarded numerous prestigious distinctions including Re/Max 100% Club distinction, Platinum Sales Award, and Remax Hall of Fame induction.







A Regina real estate professional known for his extensive market knowledge and his unmatched devotion to his clients, James’s success is based almost exclusively on client referrals. He earns the respect and loyalty of his clients by working tirelessly on their behalf and by always offering them honest and candid advice.

"James is an outstanding Realtor who takes the time to provide unbiased advice around any properties we were looking at in order for us to make an informed decision. His attention to detail professionalism patient manner allowed both my wife and I to confidently assess options and we could rely on him to provide pros and cons while keeping in mind our needs for our perfect home. James always went the extra mile. You have created raving fans out of us both " - Colin Romano- Regional Manager Investment and Retirement planning - RBC Royal Bank 


James Wruth believes that relationships are more important than transactions and he has built his Regina real estate business around that philosophy. 
 
When we sat down with James our team was immediately impressed with his authenticity and professionalism. He has over 15 years in the Regina real estate industry and is clearly an expert who loves what he does. He shared that he has worked diligently to build the business over the years, apart from when he took a year off in 2016-2017. This was because James made the decision to put his career on hold and spend as much time as he could with his father before he passed away in September of 2017. James is a family man through and through and he is a proud father to 3 daughters.  

Community Support.


James Wruth is committed to supporting the community and actively supports many Regina non-profits and charities,  including Children’s Miracle NetworkHospitals of Regina FoundationSouls Harbour Rescue MissionThe Royal Canadian Legion and the Saskatchewan Wildlife Federation.


He believes in personalized one-on-one service to fully understand you, your real estate goals and to be 100% accountable to you. If you are looking for a real estate agent who works tirelessly on your behalf and always offers honest and candid advice then James is a perfect choice. 



"The responsibility of selling your home in Regina and area does not come lightly to me. I understand the effort and challenges that surround the decision to sell your current property, and I will provide the real estate expertise, resources and strategies to guide you through it seamlessly. I'm here to provide you with the guidance you need to feel confident and absolute certainty that you are in the right hands." James Wruth


Sell Your Home For The Best Possible Price, With The Least Amount Of Time and Stress!

James Wruth Is A Trusted Regina Estate Agent



Trusted Regina Insurance experts at Campbell & Haliburton Tip On Basic Auto Damage Insurance

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina can assist you with finding the plan that works best for you. In their latest Trusted Regina Insurance Tip, they share a tip on Basic Auto Damage Insurance


. In our latest Campbell & Halliburton Regina auto insurance tip, we share important information from SGI that explains basic auto insurance coverage.

Basic Auto Insurance Coverage – Tips and Information From Campbell & Haliburton Insurance


When you register a vehicle, you pay a flat registration fee and get a basic package of insurance on your plates. The insurance includes:

  • coverage for damage to your vehicle, subject to a deductible
  • personal injury insurance from a vehicle collision
  • liability insurance for damage your vehicle causes to another vehicle or property, or injury to others

Vehicle damage and your deductible. 


Physical damage your vehicle suffers from a collision is covered by your basic plate insurance, subject to a deductible. The deductible is the amount you must pay before your basic plate insurance covers the rest of the costs. Most vehicles with basic plate insurance have a $700 deductible.

If you have minor damages that will be less than your deductible to fix and you won’t make an insurance claim, you can pay for the repairs on your own. This is also true if you are responsible for the damage.

The chart below shows the specific deductible amount that applies based on the class of the vehicle.

 
Class Vehicle Type Deductible
Class A Light vehicles (under IRP) $700
  • Heavy trucks
  • Heavy cargo vans
  • Power units
$2,500
  • Pro-rated heavy trucks
  • Cargo vans
  • Power units
$15,000 (optional)
Class C
  • Heavy trucks
  • Heavy cargo vans
  • Power units
$700
Class D
  • Heavy trucks
  • Heavy vans
  • Power units
$700
Class LV
  • Passenger vehicles
  • Motorcycles
  • Motorized bicycle/pedal cycle
  • Antiques
  • $700
  • $700
  • $350
  • $500
Class MT Snowmobiles Not applicable1
Class PV
  • Heavy trucks
  • Heavy vans
  • Power units
$700
Antiques $500
Class TS
  • Trailers
  • Semi-trailers
$500
Class T
  • All trailers (except metal or fibreglass/other cabin trailers
$400
  • Metal cabin trailer
  • Fibreglass/another cabin trailer
  • Based on customer declared value:
  • Valued at $1,000 or less - $400
  • Valued at $1,001 or less - $500
 

Who pays the deductible after a collision?

Whether or not you pay your deductible depends on who caused the collision and if your vehicle has been damaged.
Situation Pay deductible? Details
You’re responsible for the collision Yes If the cost to fix your vehicle is more than your deductible, your basic plate insurance covers the difference.
You’re not responsible for the collision No The responsible driver’s insurance covers the cost to fix your vehicle.
Your vehicle wasn’t damaged in the collision No If your vehicle isn’t damaged, you don’t have to pay your deductible. This applies if you’re responsible for the collision or not. If the other driver’s vehicle is damaged, your insurance covers the cost to fix it.
You and the other driver are equally responsible for the collision and your vehicle was damaged Yes – you pay half If the cost to fix your vehicle is more than half your deductible, your basic plate insurance covers the difference.
You and the other driver are equally responsible for the collision and your vehicle was damaged, but the other driver is uninsured or from outside Saskatchewan Yes You pay your full deductible up front but SGI will try to get half of it back from the other equally responsible driver.
Your vehicle is stolen, vandalized, or damaged from a:
  • hit and run
  • storm
  • fire
  • collision with an animal
  • single-vehicle collision
Yes You pay your full deductible when there’s no other party to collect it from.

Deductible Payment Plan

If you have basic plate insurance and you're eligible, you can use the Deductible Payment Plan to pay your deductible over 10 months.

Reduce your deductible

If you want to pay a smaller deductible, you can buy an SGI CANADA Auto Pak with the deductible option that works best for you.

Coverage for vehicle damage

Your vehicle is covered for its actual cash value. This is the market value of your vehicle when compared to similar vehicles, with similar equipment, mileage and condition as your vehicle.

Coverage limitations

There are some limitations on vehicle damage coverage. For example:
  • Loss or damage to a vehicle insured under antique use
    • $800 less your deductible of $500
  • Loss or damage in classes A, C, D or TS (commercial trailers)
    • unless it says otherwise, limited to $15,000 or the declared value, less your deductible
  • After-market audio, visual, sound or communication equipment
    • capped at $1,500 per incident or collision - $2,200 less your $700 deductible
If your vehicle is damaged, take steps to make sure more damage doesn’t happen. For example, if your vehicle's window is broken, put a plastic cover over the window to prevent water damage from rain.

Extra damage coverage

For increased protection, you can choose to buy extra damage coverage with an auto extension policy through your insurance broker.

Liability insurance

If you’re responsible, or liable, for a collision, you’re responsible for the cost of the damage you’ve caused, which includes:
  • damage to personal property
  • physical injury or death to another person
  • a victim’s lost or potential income
Your basic plate insurance includes $200,000 of liability coverage. If you’re responsible for losses more than $200,000, you’ll have to pay for the difference out of your own pocket.

Increase your liability insurance

If you'd like to increase your liability insurance coverage, you can choose to buy an auto extension policy through your insurance broker with the liability coverage limit you like best.

Injury insurance

All Saskatchewan residents, drivers and non-drivers, are automatically covered with No-Fault injury coverage unless they choose Tort injury coverage. Any physical injuries you suffer from a collision are covered under your basic plate insurance. For details visit the Auto injury insurance page.

Examples of coverage

Example 1: You're responsible for a collision that causes a fair amount of damage to another vehicle. The other driver also has minor injuries and needs 3 months of physiotherapy after the collision.

 
Total cost of other driver's injuries and repairs $15,000
Total paid by SGI $15,000
Total paid by you $0

Example 2: In the same collision as above, your vehicle also needs a few repairs:
Total cost of repairs to your vehicle $1,000
Total paid by you (deductible) $700
Total paid by SGI $300

Your total cost for this collision is $700. Without the liability insurance included in your basic plate insurance, you would have been responsible for $15,000 from your own pocket.


As you climb into your vehicle the next time, you can do so with the assurance that you are covered with the auto insurance that best meets your needs. If you don’t have an insurance broker and want to talk to someone who is truly passionate about your insurance, contact  Campbell & Haliburton Insurance. 


Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. We also know insurance inside and out, so please contact us for all of your insurance needs and we will be more than happy to help ensure what you value most is protected.

Trusted Regina insurance brokers

**(This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.)

Regina Financial Advisors John Barabe and Madison Schenher Tip On Printing Our Troubles Away

John Barabe and Madison Schenher understand that everyone's financial situation is unique and that managing your wealth can be complex and time-consuming.  they have has an unwavering commitment to quality and service which has enabled John to build and retain a successful practice in Regina. The team of Regina financial advisors and support staff believe that planning with honesty and integrity are cornerstones to improving their clients' quality of life. They apply their knowledge to help clients make the right choices when considering all the product and service options that exist in today's marketplace. In their latest Regina financial advisors expert article, John and Madison discuss currency, printing money and inflation. 



Can a government simply print more of their currency and distribute that “wealth” to the masses to make everyone rich? We know that is not true. If it were, the people in Germany would have been vastly rich in 1923. Instead, they were destitute1. The photo below is of kids playing with a worthless currency, and besides, that is a loaf of bread priced at 4.6 million marks, all from the most famous currency collapse in history. 


Even though this memory is very distant, and nearly all of those directly affected are no longer alive, to this day Germans are heavy buyers of gold and silver. If what was done over there (printing) is now being done here, what lessons, if any, can be learned?  

 

Over the last 2 years, governments around the world have printed on average $834 million dollars every hour of every day, with no end in sight2. The U.S. is printing more monthly than it ever has in history2. Oh, and we are told this inflation is temporary. Or is it? 

 

Let’s say the U.S. cannot stop printing. They are in a bind and believe that printing is the solution. It does seem to be the case considering their reaction has continually been to print for every crisis. If this is the case, they will water down the currency value quickly. Think about what is already happening. Commodities have been gaining value and that reflects inflation. Thinking of this another way, the dollar is losing value to commodities, so stuff gets more expensive. Either way, inflation rises. Higher inflation means investors need to be compensated. A GIC holder will want a higher rate to offset the higher inflation. Extreme debt levels held by people, companies and governments suddenly become more expensive to maintain as interest rates go higher. Can the government afford higher interest rates?



Let’s take the other side of this and say the U.S. stops printing. In order to keep interest rates low, they currently print to buy the bonds to keep the bond prices at their highest ever levels (and conversely interest rates at their lowest levels – the effect of overpaying for the bonds). They are printing very large amounts to purchase this debt. If they stop printing, this extremely large buyer would likely leave a void. With this significant drop in demand for the bonds, the price would also logically drop, and interest rates go up. But that is exactly what no one can afford. Governments included. 

 

There is another alternative. The U.S. stops printing and defaults on their bonds. Pension plans, mutual funds, individual investors and foreign investors all own these bonds. If the government were to default, all the bonds in all these portfolios would become worthless (or worth very little depending on how many pennies per dollar of debt they are willing or able to still pay). I highly doubt this would happen but must admit it is possible. I suspect based on the track record the U.S. has with printing (as do all the other countries of the world) they will continue. History is full of examples of governments continuing to print, and then when things get worse/inflation rises - print more, and so on. 

 

There are other troubling events taking place in addition to the incessant printing. Since the backing of the dollar was removed on August 15, 19713, gold and silver were replaced with military might. Use our dollar to sell your oil (or else). A deal was struck with Saudi Arabia and then the rest of the OPEC nations in 1974. This was crucial to creating demand for U.S. dollars. All oil must be sold in U.S. dollars, and the reserves invested into U.S. debt. Then we have your back (militarily speaking)4. Fast forward to 2021 and Biden suspends arms sales to Saudi Arabia3. The U.S. just pulled out of Afghanistan around the end of June. Then August 23rd Russia signs a deal with Saudi Arabia in a joint military “cooperation”3. So much for the nearly 50-year-old deal that the Saudi’s had with the U.S.! Saudi Arabia was always the principal country with the U.S. oil deal. The Russian deal is most likely military for oil and is unlikely to be in U.S. dollars.

 

Is the demand for U.S. dollars slipping away? Saudi Arabia is the largest OPEC oil-producing nation. That would create significantly less demand for the dollar. If Saudi Arabia no longer sells oil in U.S. dollars, that would likely open the flood gates for other OPEC nations to also sell in other currencies. This is a really big deal. If countries buying oil no longer need U.S. dollars, the demand for the dollar will drop, most likely along with the value. This will cause further inflation (maybe big inflation)! 

 

The U.S. has well past 28 trillion in debt7. The only way this is manageable is with interest rates near zero. If the dollar drops, the value in purchasing power of the bonds drops, even if the bond price were to stay high. The more they print, the weaker the dollar will become (logic) and the higher inflation will go. 

 

When we said manageable, we should correct ourselves. As of 2019, 75% of the U.S. budget was mandatory spending. This mandatory spending represented 95% of their total revenue. In 2020 for the first time in U.S. history, mandatory spending alone is greater than their total revenue.  Problems, where printing is the likely solution, are not confined to the U.S. We reported long ago about ghost cities in China 8


.  


 China’s largest real estate holding company Evergrande cannot make its payments (*9). Evergrande is 5 times the size of Lehman  (the U.S. bank that crashed the stock market in 2008). A number of other Chinese developers have now missed or delayed payments. Much more to this story than this short update allows.




 

Regardless of inflation and fundamentals that signal this could get worse, there are things you can do. Being aware of the dangers allows you to protect yourself and even profit from the opportunities they provide.

 - John Barabe, Madison Schenher and team.



 

https://historydaily.org/germany-hyperinflation

https://www.wsws.org/en/articles/2021/06/17/pers-j17.html

https://dailyreckoning.com/834-million-every-hour/  

http://www.jsmineset.com/wp-content/uploads/live/de1238cf49bc_6EAC/image0011.jpg

https://www.marketwatch.com/story/this-is-how-much-money-exists-in-the-entire-world-in-one-chart-2015-12-18

https://www.forbes.com/sites/rmiller/2021/06/24/government-deficits-the-debt-money-and-inflation/?sh=477248a42340

https://www.americanthinker.com/articles/2021/02/the_federal_reserve_is_taking_us_into_uncharted_and_deadly_waters.html

http://www.jsmineset.com/wp-content/uploads/live/0292cbb0d92f_68F9/image005.jpg  printing cartoon

https://www.zerohedge.com/economics/gundlach-warns-us-roadmap-losing-global-reserve-currency-status

https://www.youtube.com/watch?v=7_Xw5tWsOQo

https://www.breitbart.com/middle-east/2021/08/24/russia-saudi-arabia-sign-military-pact-amid-chaotic-us-withdrawal-afghanistan/

https://www.breitbart.com/middle-east/2021/01/27/report-biden-suspends-arms-sales-to-key-arab-allies-in-the-middle-east/

http://www.jsmineset.com/wp-content/uploads/live/c03799037f1d_902A/image0031.jpg

http://www.jsmineset.com/wp-content/uploads/live/c03799037f1d_902A/image0021.jpg

http://www.jsmineset.com/wp-content/uploads/live/Jims-Mailbox_93E3/image012.jpg

https://www.nytimes.com/1974/06/09/archives/milestone-pact-is-signed-by-us-and-saudi-arabia-acclaimed-by.html

https://citizentruth.org/the-secret-deal-that-formed-the-us-and-saudi-arabias-special-relationship/

https://schiffgold.com/key-gold-news/50-years-ago-nixon-slams-shut-the-gold-window/

https://usdebtclock.org/

https://www.ndtv.com/offbeat/why-china-has-over-50-ghost-cities-2032322

https://usnewsrevolution.com/evergrande-is-collapsing-will-not-make-its-massive-debt-payments/

https://www.asiapacific.ca/asia-watch/massive-chinese-real-estate-company-verge-collapse

https://www.btimesonline.com/articles/151365/20210914/analysis-chinas-house-of-cards-evergrande-threatens-wider-real-estate-market.htm

https://www.zerohedge.com/markets/china-braces-nightmare-scenario-evergrande-offers-broke-investors-discounted-apartments

10 Posted September 15th, 2021 at 8:56 AM (CST) by Bill Holter & filed under Jim's Mailbox in https://www.jsmineset.com/.

11 https://charleshughsmith.blogspot.com/2021/09/ministry-of-manipulation-no-wonder.html

12 https://www.scmp.com/business/banking-finance/article/3152146/evergrande-china-faces-challenging-trade-offs-addressing

12 https://finance.yahoo.com/news/evergrande-crisis-developer-modern-land-093000822.html

12 https://www.youtube.com/watch?v=elpBYWvmmJA&t=476s

 

I am sending this out as material information to keep everyone informed. This is not a solicitation for any investment. Before making any investment decision, please contact us for professional investment advice through our extensive planning process. This is only meant to provide perspective and update you as best as I can from the extensive ongoing research that we do. 

The opinions expressed within this article/communication are those of the Financial Advisor and are not necessarily those of Keybase Financial Group Inc. Any data provided is for illustration purposes only. Clients and prospective clients should always read a product prospectus and fully understand all of the risks associated with the product before purchasing. Any information relating to the discussion of taxation issues is considered to be only general in nature. Clients should seek a qualified tax professional to discuss their specific tax requirements.

Third-party publications are not prepared by Keybase Financial Group Inc. The opinions, estimates and projections contained in the publication are those of the author as of the date indicated and are subject to change without notice. Keybase Financial Group Inc. makes no representation or warranty, express or implied, in respect thereof, takes no responsibility for any errors or omissions which may be contained therein and accepts no liability whatsoever for any loss arising from any use of or reliance on the report or its contents. The provision of this publication is not to be construed as an offer to sell or a solicitation for or an offer to buy any securities.

Keybase Financial Group Inc. is a member of the MFDA and is a member of the MFDA IPC.

 

Regina Financial Advisors John Barabe & Madison Schenher Share A Boom Bust Report

John Barabe and Madison Schenher understand that everyone's financial situation is unique and that managing your wealth can be complex and time-consuming. They have an unwavering commitment to quality and service which has enabled John to build and retain a successful practice in Regina. The team of Regina financial advisors and support staff believe that planning with honesty and integrity are cornerstones to improving their clients' quality of life. They apply their knowledge to help clients make the right choices when considering all the product and service options that exist in today's marketplace. In their latest Regina financial advisor expert article, they share information on investment strategies and how to keep up with the pace of inflation.

It Begins!

 

In December, Michael Oliver wrote that 2022 will be one for the record books. January 9th title was “seat belts.” January 23rd, “it begins.” 

 

He had been alluding to this break in the Nasdaq (NDX 100 Index). Well, we got it. 


   

 #1.


Keep in mind how important it is for this market to be breaking down. This is the infallible U.S. stock market that only goes up. The run-up has been fueled by printed money to such an extent that it is the longest and most overpriced ever (by many measures). 

 

What is the reaction to this event? The U.S. central bank (the Fed) has been clear with its intention to raise interest rates and stop printing in short order (ha). IF THEY DO: then the decline of the stock market is likely to continue until markets finally buckle. What is more likely is the Fed will cave soon and do what they can to “rescue” the stock market. This means even more printing and doing what they can to keep interest rates low. 

 

This industry still believes that bonds will save you from your stock losses (balanced approach). As you all know, printing is what causes inflation. Inflation is getting ugly, and if the reaction is to print more and more, inflation is going to get worse. Their “rescue” is causing the problem. The higher inflation goes, the more investors in GIC’s, term deposits, and bonds will need to be compensated. The most extreme low-interest rates in human history caused the “everything bubble” (stock, bond, and real estate) that we are in. Higher interest rates, forced by inflation, will pop that bubble. 

 

We have been making clients aware of this and carefully constructed portfolios with all the above in mind. If you have any questions, please feel free to reach out to us.

 

Thank you for reading this article. We would like to offer you a value-added service for your time. We will make ourselves available to act as a sounding board. Please understand, you do not need to become a client to take advantage of this service. The reason we do this is that we became financial advisors to help people make informed choices with their financial future. It’s very gratifying. One of two things typically occurs when going through this process; either we validate for you that your current approach is fundamentally solid, or we reveal a few minor flaws that you might want to consider adjusting.  As you know, minor adjustments can often lead to major improvements down the road. Either way, we will make ourselves available and ensure that this is a great investment of your time.


We are sending this out as material information to keep everyone informed. This is not a solicitation for any investment. Before making any investment decision, please contact us for professional investment advice through our extensive planning process. This is only meant to provide perspective and update you as best as I can from the extensive ongoing research that we do.

The opinions expressed within this article/communication are those of the Financial Advisor and are not necessarily those of Keybase Financial Group Inc. Any data provided is for illustration purposes only. Clients and prospective clients should always read a product prospectus and fully understand all of the risks associated with the product before purchasing. Any information relating to the discussion of taxation issues is considered to be only general in nature. Clients should seek a qualified tax professional to discuss their specific tax requirements.

Keybase Financial Group Inc. is a member of the MFDA and is a member of the MFDA IPC.

 

#1.https://www.marketwatch.com/investing/index/ndx?mod=over_search


Ryan Boughen a Trusted Regina Mortgage Broker Shares 6 New Year’s Resolutions for Every Homeowner

The land of mortgages is a big one and Ryan Boughen a multi-award-winning Regina Mortgage broker with TMG The Mortgage Group, understands how confusing it can be with new rules and rates and information appearing regularly in the market. There are also dozens of lenders with thousands of mortgage products available. Each lender is unique in the types of situations they will lend on, their terms and conditions, and their best mortgage rates. Ryan Boughen is a Trusted Regina Mortgage Broker and in his first Trusted Regina mortgage tip, he shares 6 new years resolutions every home buyer should consider.  



6 New Year’s Resolutions for Every Homeowner


Lately we have been spending much more time in our homes than usual. With homes and finances at the forefront of many household conversations, here is a list of 6 things you can do to improve both your home and your finances. - Ryan Boughen - TMG Mortgage Broker

Pay Off Your Non-Mortgage Debt FIRST!

The general rule of thumb is that you should focus on paying off higher-interest debt before lower-interest debt. You may be paying a higher rate on a credit card or private student loan than on your mortgage, so you'd benefit more by paying those off early.

Don't pay so much toward the higher-interest debt that you risk defaulting on mortgage payments, though. Yes, credit cards can be expensive, and the issuer may take legal action if you default on card payments. But defaulting on mortgage payments can be an even bigger risk because you could lose your home.

Build A Realistic  Emergency Fund

Owning a home comes with a lot of responsibility and expenses, some that you can plan for in advance like property taxes, and some that just pop up unexpectedly. If you haven’t already started saving for those unexpected expenses in an emergency fund or rainy-day fund, the new year is a great time to start! Saving any amount is beneficial in case of an emergency but about 3 to 6-month’s salary is usually recommended. A high-interest savings account is a good place for your emergency fund. You’ll still be able to earn interest on your savings, and it’s not completely locked away in case you need to access the funds quickly.

For some people, work from home measures may be in place indefinitely. The lines between your personal and professional life may be blurred during this time. The best way to keep strong boundaries is by trying to maintain a similar routine to when you’re in the office. Ensure you set boundaries to limit overtime work, always take breaks throughout the day, and log off your work computer at your usual end of workday time.


Make Your Home As Energy Efficient As Possible

We live in Saskatchewan, so that means there's no avoiding heating and cooling costs, and they are only going to rise as time goes on. Whatever you can do to make your property more energy-efficient is a worthwhile investment! It also makes it more attractive when you decide to sell. 

For tech-savvy homeowners, making your home more energy-efficient with gadgets like smart thermostats or programmable LED lights can be a lot of fun! Even if technology isn’t your thing, small fixes around the house can help make your home more energy-efficient and potentially save you money too. Here are a few things to add to your list:

  • Seal all air leaks around windows and doors
  • Use cold water or energy-saving settings for washing machines and dishwashers
  • Unplug devices and appliances when not in use
  • Lower your thermostat while you’re away from home or in less used areas of your home
  • Install a low-flow showerhead
  • Opt for energy-efficient window treatments like honeycomb shades

Make Your Home A Space You Love 

Starting off the new year ( or a new week! ) in a clean, organized space is a huge mood booster. Plus, with many people working from home now, organized space can also help your productivity. While there’s no right or wrong way to declutter and organize your home, one useful method is to work by room to make the task more manageable. Look at everything you have and split the items into three piles: Keep, Donate, and Toss. Perhaps you could read Marie Kondo's book The Life Changing Method of Tidying Up, she is a Japanese professional organizer and has a simple method to declutter your life, from clothes to books to knickknacks. She wants you to answer just one simple question when it comes to any of the items in your house:

Does it bring you joy?

If you answer yes, you keep the item. If you hesitate or say no, you donate it or throw it out. It’s simple, it’s brilliant, and it’s something that's completely intuitive. 

Once you’ve decided what’s staying, you can make sure everything has a designated place so you can keep things tidy in the long run.

Start A Household Maintenance Checklist 

As with most new year’s resolutions, it’s easy to start the year off strong but as time goes on it may become more challenging. Set yourself up for success and stick to your home goals by creating a household maintenance checklist. Create a recurring calendar reminder so you never forget to take care of tasks around the house. For example, set a reminder to change your HVAC filter every three months or clean your eavestroughs twice a year. Proper home maintenance is a good way to prevent having to pay for home repairs over time.

Plan To Pay Off Your Mortgage Sooner

Depending on how much you still owe on your mortgage, the idea of paying it off may be daunting but don’t be discouraged. Even small steps now can help you become mortgage-free sooner. Start by increasing your regular payments. For example, instead of purchasing a takeout dinner, put that extra $50 towards your mortgage payment for the month. Keep that up for a year and you’ve already put an additional $600 towards your mortgage and over 5 years, an additional $3,000.

Another simple way to pay your mortgage off faster is to put any additional or unexpected income towards your mortgage. That can be anything like funds from a tax return, a bonus from work or inheritance. Before you make any pre-payments, double-check your mortgage pre-payment options with your mortgage lender so you don’t exceed your allowable limits.


Ryan and his team of Regina mortgage experts will determine what your specific needs are and then review and analyze what is the best mortgage option for you. 

Mortgage Options Offered Include: 

Get Approved On Ryan's Website Today - It Costs Nothing! 



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ADDRESS

S & E Trusted Online Directories Inc
TrustedRegina.com
310 Wall St #209
Saskatoon, SK   S7K 1N7
Ph: 306.244.4150

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